Home > Nationwide Trust Company, FSB > Performance and Condition Ratios
Nationwide Trust Company, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 4,105 |
| Cost of funding earning assets | 5.4449% | 32 |
| Net interest margin | -1.5696% | 4,612 |
| Noninterest income to average assets | 158.6500% | 12 |
| Noninterest expense to average assets | 133.5736% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 18.9680% | 27 |
| Return on assets (ROA) | 18.9680% | 29 |
| Pretax return on assets | 24.0212% | 27 |
| Return on Equity (ROE) | 68.1900% | 27 |
| Retained earnings to average equity (ytd only) | 32.3801% | 41 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.7576% | 627 |
| Assets per employee ($millions) | 1.7186% | 4,456 |
| Cash dividends to net income (ytd only)* | 52.5163% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.3200% | 4,541 |
| Equity capital to assets | 31.1467% | 154 |
| Core capital (leverage) ratio | 30.6317% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 89.9908% | 69 |
| Memoranda: | ||
| Average total assets | $151,586,800 | 3,345 |
| Average earning assets | $102,002,800 | 3,725 |
| Average equity | $42,164,800 | 1,808 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 4,076 |
| Cost of funding earning assets | 5.5216% | 34 |
| Net interest margin | -1.6856% | 4,640 |
| Noninterest income to average assets | 161.4600% | 11 |
| Noninterest expense to average assets | 131.5553% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 22.7199% | 20 |
| Return on assets (ROA) | 22.7199% | 20 |
| Pretax return on assets | 28.7713% | 21 |
| Return on Equity (ROE) | 84.3400% | 25 |
| Retained earnings to average equity (ytd only) | 34.5022% | 60 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.0546% | 730 |
| Assets per employee ($millions) | 1.5397% | 4,491 |
| Cash dividends to net income (ytd only)* | 59.0929% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.3400% | 4,573 |
| Equity capital to assets | 28.7346% | 168 |
| Core capital (leverage) ratio | 28.6018% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 85.9782% | 71 |
| Memoranda: | ||
| Average total assets | $149,956,000 | 3,367 |
| Average earning assets | $100,692,750 | 3,752 |
| Average equity | $40,394,500 | 1,858 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7940% | 4,026 |
| Cost of funding earning assets | 5.4706% | 24 |
| Net interest margin | -1.6766% | 4,666 |
| Noninterest income to average assets | 160.9800% | 9 |
| Noninterest expense to average assets | 129.3651% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 24.0765% | 20 |
| Return on assets (ROA) | 24.0765% | 20 |
| Pretax return on assets | 30.4879% | 21 |
| Return on Equity (ROE) | 91.3700% | 25 |
| Retained earnings to average equity (ytd only) | 64.6729% | 20 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.9275% | 784 |
| Assets per employee ($millions) | 1.1808% | 4,541 |
| Cash dividends to net income (ytd only)* | 29.2204% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.3400% | 4,595 |
| Equity capital to assets | 31.7263% | 151 |
| Core capital (leverage) ratio | 29.4126% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 95.5703% | 61 |
| Memoranda: | ||
| Average total assets | $150,669,667 | 3,372 |
| Average earning assets | $101,635,000 | 3,758 |
| Average equity | $39,701,333 | 1,891 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 3,761 |
| Cost of funding earning assets | 5.4112% | 1 |
| Net interest margin | -1.5572% | 4,693 |
| Noninterest income to average assets | 160.9800% | 12 |
| Noninterest expense to average assets | 132.0539% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 22.0099% | 21 |
| Return on assets (ROA) | 22.0099% | 21 |
| Pretax return on assets | 27.8757% | 20 |
| Return on Equity (ROE) | 92.7000% | 25 |
| Retained earnings to average equity (ytd only) | 34.0362% | 85 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 82.5700% | 673 |
| Assets per employee ($millions) | 1.1674% | 4,607 |
| Cash dividends to net income (ytd only)* | 63.2836% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.3300% | 4,638 |
| Equity capital to assets | 25.1234% | 153 |
| Core capital (leverage) ratio | 21.9024% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.2574% | 71 |
| Memoranda: | ||
| Average total assets | $152,204,500 | 3,404 |
| Average earning assets | $102,749,000 | 3,796 |
| Average equity | $36,138,000 | 2,036 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1632% | 4,583 |
| Cost of funding earning assets | 2.5574% | 1 |
| Net interest margin | -0.3942% | 4,726 |
| Noninterest income to average assets | 147.6400% | 15 |
| Noninterest expense to average assets | 118.1409% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 22.9823% | 20 |
| Return on assets (ROA) | 22.9823% | 20 |
| Pretax return on assets | 29.2428% | 21 |
| Return on Equity (ROE) | 93.7100% | 7 |
| Retained earnings to average equity (ytd only) | -11.5453% | 4,644 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.1587% | 706 |
| Assets per employee ($millions) | 1.1563% | 4,642 |
| Cash dividends to net income (ytd only)* | 112.3197% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.3300% | 4,670 |
| Equity capital to assets | 22.3495% | 184 |
| Core capital (leverage) ratio | 20.6439% | 234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.5567% | 82 |
| Memoranda: | ||
| Average total assets | $171,614,600 | 3,259 |
| Average earning assets | $112,889,800 | 3,696 |
| Average equity | $42,086,400 | 1,855 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9611% | 4,616 |
| Cost of funding earning assets | 1.9438% | 3 |
| Net interest margin | 0.0174% | 4,741 |
| Noninterest income to average assets | 146.6400% | 15 |
| Noninterest expense to average assets | 113.8339% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 25.7696% | 18 |
| Return on assets (ROA) | 25.7696% | 17 |
| Pretax return on assets | 32.8139% | 17 |
| Return on Equity (ROE) | 103.1200% | 3 |
| Retained earnings to average equity (ytd only) | -1.6853% | 4,474 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.6240% | 944 |
| Assets per employee ($millions) | 1.2339% | 4,677 |
| Cash dividends to net income (ytd only)* | 101.6344% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.3200% | 4,713 |
| Equity capital to assets | 24.2529% | 145 |
| Core capital (leverage) ratio | 21.9920% | 198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.1959% | 75 |
| Memoranda: | ||
| Average total assets | $176,648,250 | 3,243 |
| Average earning assets | $115,169,500 | 3,705 |
| Average equity | $44,144,250 | 1,808 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5213% | 4,704 |
| Cost of funding earning assets | 1.3125% | 8 |
| Net interest margin | 0.2088% | 4,763 |
| Noninterest income to average assets | 145.4353% | 6 |
| Noninterest expense to average assets | 111.6444% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 26.7957% | 9 |
| Return on assets (ROA) | 26.7957% | 9 |
| Pretax return on assets | 33.9251% | 9 |
| Return on Equity (ROE) | 106.3324% | 2 |
| Retained earnings to average equity (ytd only) | -1.9138% | 4,378 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6949% | 1,203 |
| Assets per employee ($millions) | 1.3940% | 4,720 |
| Cash dividends to net income (ytd only)* | 101.7998% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 0.2869% | 4,776 |
| Equity capital to assets | 23.8446% | 107 |
| Core capital (leverage) ratio | 20.8358% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.8382% | 45 |
| Memoranda: | ||
| Average total assets | $183,298,000 | 3,216 |
| Average earning assets | $117,794,333 | 3,727 |
| Average equity | $46,191,000 | 1,791 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0937% | 4,757 |
| Cost of funding earning assets | 0.9583% | 40 |
| Net interest margin | 0.1354% | 4,792 |
| Noninterest income to average assets | 149.3043% | 6 |
| Noninterest expense to average assets | 109.3257% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 31.6451% | 11 |
| Return on assets (ROA) | 31.6451% | 11 |
| Pretax return on assets | 40.0638% | 10 |
| Return on Equity (ROE) | 122.5194% | 4 |
| Retained earnings to average equity (ytd only) | 39.2402% | 17 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1816% | 1,832 |
| Assets per employee ($millions) | 1.4991% | 4,744 |
| Cash dividends to net income (ytd only)* | 67.9723% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 0.2668% | 4,801 |
| Equity capital to assets | 26.1771% | 80 |
| Core capital (leverage) ratio | 23.7882% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.2613% | 42 |
| Memoranda: | ||
| Average total assets | $187,820,500 | 3,186 |
| Average earning assets | $118,128,500 | 3,741 |
| Average equity | $48,511,500 | 1,773 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3042% | 4,818 |
| Cost of funding earning assets | 0.8880% | 129 |
| Net interest margin | -0.5838% | 4,838 |
| Noninterest income to average assets | 152.0799% | 5 |
| Noninterest expense to average assets | 119.4850% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 25.4692% | 13 |
| Return on assets (ROA) | 25.4692% | 13 |
| Pretax return on assets | 32.2474% | 13 |
| Return on Equity (ROE) | 87.2965% | 3 |
| Retained earnings to average equity (ytd only) | -27.1432% | 4,818 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7472% | 887 |
| Assets per employee ($millions) | 1.4940% | 4,786 |
| Cash dividends to net income (ytd only)* | 131.0932% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 0.2656% | 4,844 |
| Equity capital to assets | 25.4818% | 88 |
| Core capital (leverage) ratio | 19.1633% | 196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0560% | 54 |
| Memoranda: | ||
| Average total assets | $198,871,800 | 3,074 |
| Average earning assets | $118,361,800 | 3,702 |
| Average equity | $58,021,800 | 1,558 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1953% | 4,902 |
| Cost of funding earning assets | 0.8968% | 150 |
| Net interest margin | -0.7015% | 4,913 |
| Noninterest income to average assets | 149.8324% | 5 |
| Noninterest expense to average assets | 115.4816% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 26.8026% | 11 |
| Return on assets (ROA) | 26.8026% | 10 |
| Pretax return on assets | 33.9419% | 10 |
| Return on Equity (ROE) | 89.2288% | 3 |
| Retained earnings to average equity (ytd only) | -17.3735% | 4,875 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2848% | 934 |
| Assets per employee ($millions) | 1.5932% | 4,858 |
| Cash dividends to net income (ytd only)* | 119.4708% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 0.2491% | 4,919 |
| Equity capital to assets | 28.0436% | 76 |
| Core capital (leverage) ratio | 17.8953% | 267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.4454% | 81 |
| Memoranda: | ||
| Average total assets | $201,527,750 | 3,087 |
| Average earning assets | $117,452,000 | 3,759 |
| Average equity | $60,535,000 | 1,529 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1297% | 4,946 |
| Cost of funding earning assets | 0.9010% | 186 |
| Net interest margin | -0.7713% | 4,950 |
| Noninterest income to average assets | 147.4163% | 6 |
| Noninterest expense to average assets | 111.9404% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 27.6578% | 10 |
| Return on assets (ROA) | 27.6578% | 10 |
| Pretax return on assets | 35.0279% | 11 |
| Return on Equity (ROE) | 90.0922% | 4 |
| Retained earnings to average equity (ytd only) | -22.9064% | 4,916 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1664% | 1,071 |
| Assets per employee ($millions) | 1.5291% | 4,898 |
| Cash dividends to net income (ytd only)* | 125.4256% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 0.2555% | 4,955 |
| Equity capital to assets | 29.2403% | 66 |
| Core capital (leverage) ratio | 18.1770% | 254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.1962% | 72 |
| Memoranda: | ||
| Average total assets | $201,787,667 | 3,087 |
| Average earning assets | $117,200,000 | 3,769 |
| Average equity | $61,947,667 | 1,488 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3118% | 4,967 |
| Cost of funding earning assets | 0.9113% | 209 |
| Net interest margin | -0.5995% | 4,977 |
| Noninterest income to average assets | 144.5913% | 7 |
| Noninterest expense to average assets | 108.4445% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 28.2863% | 9 |
| Return on assets (ROA) | 28.2863% | 9 |
| Pretax return on assets | 35.8051% | 9 |
| Return on Equity (ROE) | 90.0935% | 4 |
| Retained earnings to average equity (ytd only) | -3.2096% | 4,612 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1784% | 1,206 |
| Assets per employee ($millions) | 1.5932% | 4,923 |
| Cash dividends to net income (ytd only)* | 103.5626% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 0.2452% | 4,983 |
| Equity capital to assets | 31.4105% | 59 |
| Core capital (leverage) ratio | 20.9094% | 157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.8910% | 58 |
| Memoranda: | ||
| Average total assets | $204,820,000 | 3,046 |
| Average earning assets | $116,755,000 | 3,775 |
| Average equity | $64,306,500 | 1,437 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9125% | 4,923 |
| Cost of funding earning assets | 1.3733% | 139 |
| Net interest margin | 0.5392% | 4,980 |
| Noninterest income to average assets | 133.1669% | 7 |
| Noninterest expense to average assets | 113.7623% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 15.5783% | 12 |
| Return on assets (ROA) | 15.5783% | 12 |
| Pretax return on assets | 19.7196% | 12 |
| Return on Equity (ROE) | 50.1449% | 17 |
| Retained earnings to average equity (ytd only) | 16.7660% | 108 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2267% | 560 |
| Assets per employee ($millions) | 1.4285% | 4,951 |
| Cash dividends to net income (ytd only)* | 66.5649% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 0.2431% | 5,006 |
| Equity capital to assets | 31.3828% | 58 |
| Core capital (leverage) ratio | 21.5066% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.7453% | 61 |
| Memoranda: | ||
| Average total assets | $199,669,000 | 2,945 |
| Average earning assets | $116,655,600 | 3,669 |
| Average equity | $62,030,200 | 1,412 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3246% | 4,933 |
| Cost of funding earning assets | 1.5095% | 117 |
| Net interest margin | 0.8150% | 5,016 |
| Noninterest income to average assets | 131.1453% | 8 |
| Noninterest expense to average assets | 113.8863% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 14.0159% | 16 |
| Return on assets (ROA) | 14.0159% | 16 |
| Pretax return on assets | 17.7414% | 13 |
| Return on Equity (ROE) | 45.2354% | 27 |
| Retained earnings to average equity (ytd only) | 33.9325% | 26 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5215% | 476 |
| Assets per employee ($millions) | 1.4284% | 4,984 |
| Cash dividends to net income (ytd only)* | 24.9868% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 0.2414% | 5,039 |
| Equity capital to assets | 33.8696% | 50 |
| Core capital (leverage) ratio | 25.2036% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.7097% | 53 |
| Memoranda: | ||
| Average total assets | $198,160,000 | 2,941 |
| Average earning assets | $117,295,500 | 3,645 |
| Average equity | $61,398,750 | 1,410 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1223% | 4,777 |
| Cost of funding earning assets | 1.7798% | 53 |
| Net interest margin | 1.3425% | 5,022 |
| Noninterest income to average assets | 130.0176% | 8 |
| Noninterest expense to average assets | 116.9758% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 10.9421% | 15 |
| Return on assets (ROA) | 10.9421% | 15 |
| Pretax return on assets | 13.8503% | 15 |
| Return on Equity (ROE) | 36.5178% | 39 |
| Retained earnings to average equity (ytd only) | 18.7172% | 108 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4132% | 402 |
| Assets per employee ($millions) | 1.3740% | 5,017 |
| Cash dividends to net income (ytd only)* | 48.7451% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 0.2563% | 5,071 |
| Equity capital to assets | 30.8546% | 59 |
| Core capital (leverage) ratio | 19.0630% | 242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.1210% | 87 |
| Memoranda: | ||
| Average total assets | $195,172,000 | 2,944 |
| Average earning assets | $117,541,667 | 3,627 |
| Average equity | $58,481,000 | 1,455 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7623% | 5,007 |
| Cost of funding earning assets | 2.3104% | 7 |
| Net interest margin | 0.4519% | 5,112 |
| Noninterest income to average assets | 133.5178% | 8 |
| Noninterest expense to average assets | 120.2354% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 10.6656% | 15 |
| Return on assets (ROA) | 10.6656% | 16 |
| Pretax return on assets | 13.5548% | 15 |
| Return on Equity (ROE) | 36.1317% | 23 |
| Retained earnings to average equity (ytd only) | 36.1317% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8686% | 505 |
| Assets per employee ($millions) | 1.3735% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 0.2564% | 5,120 |
| Equity capital to assets | 31.2647% | 64 |
| Core capital (leverage) ratio | 18.9337% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.2843% | 98 |
| Memoranda: | ||
| Average total assets | $195,207,000 | 2,908 |
| Average earning assets | $117,728,500 | 3,607 |
| Average equity | $57,622,500 | 1,461 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4698% | 5,122 |
| Cost of funding earning assets | 3.6219% | 1 |
| Net interest margin | -1.1521% | 5,176 |
| Noninterest income to average assets | 128.6506% | 10 |
| Noninterest expense to average assets | 115.5810% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 9.8354% | 17 |
| Return on assets (ROA) | 9.8716% | 18 |
| Pretax return on assets | 12.5119% | 19 |
| Return on Equity (ROE) | 38.6287% | 22 |
| Retained earnings to average equity (ytd only) | 19.7504% | 34 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2576% | 347 |
| Assets per employee ($millions) | 1.3201% | 5,121 |
| Cash dividends to net income (ytd only)* | 48.8711% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 0.2559% | 5,184 |
| Equity capital to assets | 27.7756% | 91 |
| Core capital (leverage) ratio | 15.1058% | 664 |
| Tier 1 risk-based capital ratio | 36.6110% | 297 |
| Total risk-based capital ratio | 36.6110% | 317 |
| Memoranda: | ||
| Average total assets | $207,282,400 | 2,782 |
| Average earning assets | $106,849,400 | 3,765 |
| Average equity | $52,971,000 | 1,515 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4182% | 5,015 |
| Cost of funding earning assets | 4.0356% | 1 |
| Net interest margin | -0.6174% | 5,254 |
| Noninterest income to average assets | 126.0803% | 10 |
| Noninterest expense to average assets | 111.6952% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 10.8289% | 15 |
| Return on assets (ROA) | 11.1028% | 17 |
| Pretax return on assets | 14.3527% | 17 |
| Return on Equity (ROE) | 44.3418% | 16 |
| Retained earnings to average equity (ytd only) | 44.3418% | 4 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8063% | 364 |
| Assets per employee ($millions) | 1.2793% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 0.2588% | 5,262 |
| Equity capital to assets | 31.8133% | 65 |
| Core capital (leverage) ratio | 19.6140% | 262 |
| Tier 1 risk-based capital ratio | 45.7545% | 172 |
| Total risk-based capital ratio | 45.7545% | 181 |
| Memoranda: | ||
| Average total assets | $210,259,750 | 2,775 |
| Average earning assets | $104,301,750 | 3,842 |
| Average equity | $52,647,250 | 1,527 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 4,628 |
| Cost of funding earning assets | 4.6499% | 1 |
| Net interest margin | -0.7931% | 5,301 |
| Noninterest income to average assets | 121.7098% | 10 |
| Noninterest expense to average assets | 107.4169% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 10.7070% | 16 |
| Return on assets (ROA) | 9.6706% | 18 |
| Pretax return on assets | 12.8843% | 18 |
| Return on Equity (ROE) | 42.0111% | 16 |
| Retained earnings to average equity (ytd only) | 42.0111% | 5 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5274% | 414 |
| Assets per employee ($millions) | 1.2932% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 0.2742% | 5,309 |
| Equity capital to assets | 29.9576% | 70 |
| Core capital (leverage) ratio | 16.6906% | 464 |
| Tier 1 risk-based capital ratio | 40.2549% | 229 |
| Total risk-based capital ratio | 40.2549% | 246 |
| Memoranda: | ||
| Average total assets | $215,953,000 | 2,724 |
| Average earning assets | $101,378,330 | 3,910 |
| Average equity | $49,710,670 | 1,600 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 2,580 |
| Cost of funding earning assets | 5.4945% | 1 |
| Net interest margin | -0.9071% | 5,360 |
| Noninterest income to average assets | 111.0883% | 11 |
| Noninterest expense to average assets | 97.6632% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 9.8729% | 18 |
| Return on assets (ROA) | 13.3254% | 12 |
| Pretax return on assets | 16.4874% | 14 |
| Return on Equity (ROE) | 65.6375% | 11 |
| Retained earnings to average equity (ytd only) | 65.6375% | 6 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2248% | 471 |
| Assets per employee ($millions) | 1.3966% | 5,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 0.2419% | 5,369 |
| Equity capital to assets | 24.8322% | 121 |
| Core capital (leverage) ratio | 10.8077% | 2,760 |
| Tier 1 risk-based capital ratio | 28.8237% | 518 |
| Total risk-based capital ratio | 28.8237% | 578 |
| Memoranda: | ||
| Average total assets | $232,759,000 | 2,619 |
| Average earning assets | $100,101,000 | 3,966 |
| Average equity | $47,253,500 | 1,665 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0025% | 5,404 |
| Cost of funding earning assets | 0.0013% | 5,395 |
| Net interest margin | 0.0012% | 5,402 |
| Noninterest income to average assets | 5.2366% | 92 |
| Noninterest expense to average assets | 4.6238% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5151% | 4,629 |
| Return on assets (ROA) | -3.8764% | 5,387 |
| Pretax return on assets | -3.7776% | 5,386 |
| Return on Equity (ROE) | -46.5412% | 5,394 |
| Retained earnings to average equity (ytd only) | -135.3009% | 5,405 |
| Net charge-offs to loans | 5.1286% | 15 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.1907% | 3,707 |
| Efficiency ratio | 88.2796% | 418 |
| Assets per employee ($millions) | 2.9750% | 5,008 |
| Cash dividends to net income (ytd only)* | -190.7124% | 5,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 0.1932% | 5,414 |
| Equity capital to assets | 16.6833% | 447 |
| Core capital (leverage) ratio | 0.6292% | 5,406 |
| Tier 1 risk-based capital ratio | 10.7455% | 5,097 |
| Total risk-based capital ratio | 10.7455% | 5,350 |
| Memoranda: | ||
| Average total assets | $5,221,366,800 | 217 |
| Average earning assets | $4,990,233,600 | 206 |
| Average equity | $434,881,800 | 268 |
| Average total loans | $3,277,277,600 | 234 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0041% | 5,476 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 0.0041% | 5,474 |
| Noninterest income to average assets | 4.2954% | 108 |
| Noninterest expense to average assets | 3.7804% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4403% | 4,874 |
| Return on assets (ROA) | -3.6372% | 5,461 |
| Pretax return on assets | -3.5585% | 5,460 |
| Return on Equity (ROE) | -44.1129% | 5,466 |
| Retained earnings to average equity (ytd only) | -44.1129% | 5,462 |
| Net charge-offs to loans | 5.4704% | 15 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.1496% | 3,416 |
| Efficiency ratio | 87.9298% | 407 |
| Assets per employee ($millions) | 39.9234% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 4,665 |
| Noncurrent loans to loans | 0.0962% | 4,459 |
| Net loans and leases to total assets | 56.8162% | 4,150 |
| Net loans and leases to deposits | 90.8459% | 1,787 |
| Net loans and leases to core deposits | 116.3491% | 700 |
| Total domestic deposits to total assets | 62.5413% | 5,369 |
| Equity capital to assets | 8.3486% | 5,009 |
| Core capital (leverage) ratio | 7.2394% | 5,416 |
| Tier 1 risk-based capital ratio | 14.5962% | 3,066 |
| Total risk-based capital ratio | 14.5962% | 3,630 |
| Memoranda: | ||
| Average total assets | $6,462,001,750 | 184 |
| Average earning assets | $6,214,912,250 | 176 |
| Average equity | $532,807,000 | 231 |
| Average total loans | $4,096,597,000 | 200 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0048% | 5,541 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 0.0048% | 5,539 |
| Noninterest income to average assets | 4.0428% | 115 |
| Noninterest expense to average assets | 3.5649% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3770% | 5,005 |
| Return on assets (ROA) | -4.4247% | 5,530 |
| Pretax return on assets | -4.3191% | 5,526 |
| Return on Equity (ROE) | -53.8394% | 5,533 |
| Retained earnings to average equity (ytd only) | -53.8394% | 5,529 |
| Net charge-offs to loans | 7.5558% | 8 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.0981% | 3,140 |
| Efficiency ratio | 88.0769% | 460 |
| Assets per employee ($millions) | 38.8094% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,556 |
| Noncurrent loans to loans | 0.1279% | 4,334 |
| Net loans and leases to total assets | 63.8405% | 3,422 |
| Net loans and leases to deposits | 95.8422% | 1,158 |
| Net loans and leases to core deposits | 122.8067% | 493 |
| Total domestic deposits to total assets | 66.6100% | 5,372 |
| Equity capital to assets | 7.6374% | 5,336 |
| Core capital (leverage) ratio | 6.6876% | 5,496 |
| Tier 1 risk-based capital ratio | 13.4363% | 3,652 |
| Total risk-based capital ratio | 13.4363% | 4,257 |
| Memoranda: | ||
| Average total assets | $6,832,758,330 | 182 |
| Average earning assets | $6,598,978,670 | 168 |
| Average equity | $561,533,000 | 221 |
| Average total loans | $4,448,958,000 | 184 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2944% | 5,148 |
| Cost of funding earning assets | 1.3835% | 62 |
| Net interest margin | 1.9109% | 5,546 |
| Noninterest income to average assets | 4.2210% | 113 |
| Noninterest expense to average assets | 5.0208% | 219 |
| Loan and lease loss provision to assets | 0.3129% | 411 |
| Net operating income to assets | 0.5734% | 4,501 |
| Return on assets (ROA) | 0.5571% | 4,555 |
| Pretax return on assets | 0.7148% | 4,400 |
| Return on Equity (ROE) | 6.5773% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.5773% | 2,462 |
| Net charge-offs to loans | 0.4965% | 308 |
| Credit loss provision to net charge-offs | 95.9815% | 1,628 |
| Earnings coverage of net charge-offs (x) | 3.2155% | 2,406 |
| Efficiency ratio | 82.7269% | 886 |
| Assets per employee ($millions) | 32.1810% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5431% | 5,269 |
| Loan loss allowance to noncurrent loans | 258.5540% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 4,353 |
| Noncurrent loans to loans | 0.2100% | 4,032 |
| Net loans and leases to total assets | 64.3682% | 3,263 |
| Net loans and leases to deposits | 96.3488% | 998 |
| Net loans and leases to core deposits | 125.7832% | 428 |
| Total domestic deposits to total assets | 66.8075% | 5,448 |
| Equity capital to assets | 8.4650% | 5,007 |
| Core capital (leverage) ratio | 8.4804% | 5,152 |
| Tier 1 risk-based capital ratio | 11.8931% | 4,611 |
| Total risk-based capital ratio | 12.3784% | 4,967 |
| Memoranda: | ||
| Average total assets | $7,144,389,500 | 172 |
| Average earning assets | $6,909,475,000 | 163 |
| Average equity | $605,176,000 | 207 |
| Average total loans | $4,691,351,000 | 180 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1377% | 5,249 |
| Cost of funding earning assets | 1.2326% | 63 |
| Net interest margin | 1.9051% | 5,587 |
| Noninterest income to average assets | 4.1431% | 127 |
| Noninterest expense to average assets | 5.1215% | 206 |
| Loan and lease loss provision to assets | 0.3985% | 370 |
| Net operating income to assets | 0.4167% | 4,637 |
| Return on assets (ROA) | 0.4099% | 4,680 |
| Pretax return on assets | 0.4524% | 5,013 |
| Return on Equity (ROE) | 5.0238% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.0238% | 2,111 |
| Net charge-offs to loans | 0.6348% | 352 |
| Credit loss provision to net charge-offs | 91.9854% | 2,750 |
| Earnings coverage of net charge-offs (x) | 1.9817% | 3,820 |
| Efficiency ratio | 85.6446% | 660 |
| Assets per employee ($millions) | 24.2459% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5279% | 5,360 |
| Loan loss allowance to noncurrent loans | 297.6758% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,474 |
| Noncurrent loans to loans | 0.1773% | 4,211 |
| Net loans and leases to total assets | 66.2499% | 3,067 |
| Net loans and leases to deposits | 99.1752% | 800 |
| Net loans and leases to core deposits | 127.6115% | 399 |
| Total domestic deposits to total assets | 66.8008% | 5,501 |
| Equity capital to assets | 8.4763% | 5,141 |
| Core capital (leverage) ratio | 8.2916% | 5,292 |
| Tier 1 risk-based capital ratio | 11.8231% | 4,643 |
| Total risk-based capital ratio | 12.3191% | 4,994 |
| Memoranda: | ||
| Average total assets | $7,134,462,600 | 166 |
| Average earning assets | $6,878,552,800 | 157 |
| Average equity | $582,088,000 | 206 |
| Average total loans | $4,868,426,800 | 167 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1394% | 5,297 |
| Cost of funding earning assets | 1.2035% | 68 |
| Net interest margin | 1.9358% | 5,652 |
| Noninterest income to average assets | 4.0853% | 139 |
| Noninterest expense to average assets | 5.1984% | 199 |
| Loan and lease loss provision to assets | 0.3654% | 402 |
| Net operating income to assets | 0.2552% | 5,290 |
| Return on assets (ROA) | 0.2545% | 5,308 |
| Pretax return on assets | 0.3850% | 5,209 |
| Return on Equity (ROE) | 3.1497% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.1497% | 4,030 |
| Net charge-offs to loans | 0.5326% | 379 |
| Credit loss provision to net charge-offs | 99.9335% | 2,318 |
| Earnings coverage of net charge-offs (x) | 2.0553% | 3,511 |
| Efficiency ratio | 87.3697% | 548 |
| Assets per employee ($millions) | 22.7375% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5618% | 5,390 |
| Loan loss allowance to noncurrent loans | 298.0521% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,542 |
| Noncurrent loans to loans | 0.1885% | 4,317 |
| Net loans and leases to total assets | 68.2295% | 2,807 |
| Net loans and leases to deposits | 102.5613% | 576 |
| Net loans and leases to core deposits | 129.9042% | 345 |
| Total domestic deposits to total assets | 66.5256% | 5,575 |
| Equity capital to assets | 8.2359% | 5,428 |
| Core capital (leverage) ratio | 8.1174% | 5,466 |
| Tier 1 risk-based capital ratio | 11.4987% | 4,964 |
| Total risk-based capital ratio | 12.0412% | 5,262 |
| Memoranda: | ||
| Average total assets | $7,123,884,500 | 167 |
| Average earning assets | $6,861,559,000 | 160 |
| Average equity | $575,529,500 | 209 |
| Average total loans | $4,890,574,250 | 169 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1360% | 5,316 |
| Cost of funding earning assets | 1.1444% | 77 |
| Net interest margin | 1.9916% | 5,693 |
| Noninterest income to average assets | 4.0559% | 143 |
| Noninterest expense to average assets | 5.1932% | 202 |
| Loan and lease loss provision to assets | 0.3930% | 345 |
| Net operating income to assets | 0.2544% | 5,315 |
| Return on assets (ROA) | 0.2534% | 5,333 |
| Pretax return on assets | 0.3855% | 5,198 |
| Return on Equity (ROE) | 3.1576% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.1576% | 3,829 |
| Net charge-offs to loans | 0.5668% | 345 |
| Credit loss provision to net charge-offs | 100.9911% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.0043% | 3,220 |
| Efficiency ratio | 86.9411% | 611 |
| Assets per employee ($millions) | 22.5013% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5617% | 5,440 |
| Loan loss allowance to noncurrent loans | 298.4459% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 4,604 |
| Noncurrent loans to loans | 0.1882% | 4,364 |
| Net loans and leases to total assets | 68.0365% | 2,814 |
| Net loans and leases to deposits | 107.8206% | 326 |
| Net loans and leases to core deposits | 134.8550% | 240 |
| Total domestic deposits to total assets | 63.1016% | 5,675 |
| Equity capital to assets | 8.0647% | 5,507 |
| Core capital (leverage) ratio | 8.1555% | 5,454 |
| Tier 1 risk-based capital ratio | 11.3328% | 5,066 |
| Total risk-based capital ratio | 11.8747% | 5,340 |
| Memoranda: | ||
| Average total assets | $7,103,495,670 | 167 |
| Average earning assets | $6,838,369,670 | 160 |
| Average equity | $570,122,330 | 213 |
| Average total loans | $4,877,425,000 | 171 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1510% | 5,305 |
| Cost of funding earning assets | 1.1007% | 96 |
| Net interest margin | 2.0504% | 5,749 |
| Noninterest income to average assets | 4.0877% | 142 |
| Noninterest expense to average assets | 5.2206% | 216 |
| Loan and lease loss provision to assets | 0.3730% | 306 |
| Net operating income to assets | 0.3062% | 5,177 |
| Return on assets (ROA) | 0.3054% | 5,199 |
| Pretax return on assets | 0.4652% | 5,023 |
| Return on Equity (ROE) | 3.8144% | 4,842 |
| Retained earnings to average equity (ytd only) | 3.8144% | 3,548 |
| Net charge-offs to loans | 0.5756% | 310 |
| Credit loss provision to net charge-offs | 94.2106% | 1,659 |
| Earnings coverage of net charge-offs (x) | 2.1201% | 2,639 |
| Efficiency ratio | 86.1484% | 797 |
| Assets per employee ($millions) | 22.6258% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5512% | 5,541 |
| Loan loss allowance to noncurrent loans | 298.7091% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 4,723 |
| Noncurrent loans to loans | 0.1845% | 4,463 |
| Net loans and leases to total assets | 68.4649% | 2,610 |
| Net loans and leases to deposits | 100.5680% | 584 |
| Net loans and leases to core deposits | 112.4267% | 752 |
| Total domestic deposits to total assets | 68.0782% | 5,675 |
| Equity capital to assets | 8.0499% | 5,499 |
| Core capital (leverage) ratio | 8.2899% | 5,384 |
| Tier 1 risk-based capital ratio | 11.4432% | 5,066 |
| Total risk-based capital ratio | 11.9831% | 5,362 |
| Memoranda: | ||
| Average total assets | $7,032,535,500 | 168 |
| Average earning assets | $6,765,039,000 | 161 |
| Average equity | $563,022,500 | 214 |
| Average total loans | $4,837,452,000 | 173 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 5,501 |
| Cost of funding earning assets | 0.9814% | 190 |
| Net interest margin | 2.0201% | 5,803 |
| Noninterest income to average assets | 4.3848% | 135 |
| Noninterest expense to average assets | 5.6080% | 197 |
| Loan and lease loss provision to assets | 0.4287% | 343 |
| Net operating income to assets | 0.1998% | 5,418 |
| Return on assets (ROA) | 0.1892% | 5,487 |
| Pretax return on assets | 0.2806% | 5,388 |
| Return on Equity (ROE) | 2.2788% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.2788% | 4,229 |
| Net charge-offs to loans | 0.5569% | 422 |
| Credit loss provision to net charge-offs | 115.7865% | 2,273 |
| Earnings coverage of net charge-offs (x) | 1.9583% | 3,914 |
| Efficiency ratio | 86.1930% | 808 |
| Assets per employee ($millions) | 21.9491% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 5,553 |
| Loan loss allowance to noncurrent loans | 257.7968% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 4,679 |
| Noncurrent loans to loans | 0.2276% | 4,338 |
| Net loans and leases to total assets | 68.3231% | 2,721 |
| Net loans and leases to deposits | 97.8664% | 834 |
| Net loans and leases to core deposits | 117.9913% | 547 |
| Total domestic deposits to total assets | 69.8126% | 5,673 |
| Equity capital to assets | 7.9600% | 5,581 |
| Core capital (leverage) ratio | 8.0023% | 5,619 |
| Tier 1 risk-based capital ratio | 11.3615% | 5,137 |
| Total risk-based capital ratio | 11.9356% | 5,409 |
| Memoranda: | ||
| Average total assets | $6,597,271,400 | 172 |
| Average earning assets | $6,362,889,200 | 159 |
| Average equity | $547,698,400 | 202 |
| Average total loans | $4,385,756,800 | 176 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9978% | 5,570 |
| Cost of funding earning assets | 0.9728% | 195 |
| Net interest margin | 2.0250% | 5,870 |
| Noninterest income to average assets | 4.4516% | 137 |
| Noninterest expense to average assets | 5.7646% | 186 |
| Loan and lease loss provision to assets | 0.4258% | 327 |
| Net operating income to assets | 0.1533% | 5,549 |
| Return on assets (ROA) | 0.1124% | 5,663 |
| Pretax return on assets | 0.1590% | 5,613 |
| Return on Equity (ROE) | 1.3394% | 5,594 |
| Retained earnings to average equity (ytd only) | 1.3394% | 4,977 |
| Net charge-offs to loans | 0.5328% | 396 |
| Credit loss provision to net charge-offs | 121.2985% | 2,073 |
| Earnings coverage of net charge-offs (x) | 1.8298% | 3,654 |
| Efficiency ratio | 86.8346% | 748 |
| Assets per employee ($millions) | 22.2474% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5990% | 5,611 |
| Loan loss allowance to noncurrent loans | 256.7948% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 4,766 |
| Noncurrent loans to loans | 0.2333% | 4,435 |
| Net loans and leases to total assets | 66.6276% | 3,018 |
| Net loans and leases to deposits | 94.4543% | 1,215 |
| Net loans and leases to core deposits | 106.4386% | 1,155 |
| Total domestic deposits to total assets | 70.5396% | 5,664 |
| Equity capital to assets | 8.1708% | 5,681 |
| Core capital (leverage) ratio | 8.2139% | 5,560 |
| Tier 1 risk-based capital ratio | 11.1052% | 5,315 |
| Total risk-based capital ratio | 11.6695% | 5,580 |
| Memoranda: | ||
| Average total assets | $6,529,070,250 | 174 |
| Average earning assets | $6,304,135,250 | 159 |
| Average equity | $547,909,000 | 202 |
| Average total loans | $4,301,807,250 | 180 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0056% | 5,641 |
| Cost of funding earning assets | 0.9741% | 195 |
| Net interest margin | 2.0315% | 5,951 |
| Noninterest income to average assets | 4.4770% | 142 |
| Noninterest expense to average assets | 5.6772% | 197 |
| Loan and lease loss provision to assets | 0.4307% | 336 |
| Net operating income to assets | 0.2309% | 5,468 |
| Return on assets (ROA) | 0.1573% | 5,648 |
| Pretax return on assets | 0.2271% | 5,584 |
| Return on Equity (ROE) | 1.8573% | 5,538 |
| Retained earnings to average equity (ytd only) | 1.8573% | 4,626 |
| Net charge-offs to loans | 0.5478% | 383 |
| Credit loss provision to net charge-offs | 120.0747% | 1,863 |
| Earnings coverage of net charge-offs (x) | 2.1314% | 3,320 |
| Efficiency ratio | 88.1315% | 716 |
| Assets per employee ($millions) | 21.4565% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 5,663 |
| Loan loss allowance to noncurrent loans | 280.4588% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,877 |
| Noncurrent loans to loans | 0.2186% | 4,565 |
| Net loans and leases to total assets | 65.8779% | 3,103 |
| Net loans and leases to deposits | 87.6611% | 2,044 |
| Net loans and leases to core deposits | 99.1022% | 1,710 |
| Total domestic deposits to total assets | 75.1507% | 5,390 |
| Equity capital to assets | 8.5697% | 5,558 |
| Core capital (leverage) ratio | 8.1923% | 5,604 |
| Tier 1 risk-based capital ratio | 11.0767% | 5,380 |
| Total risk-based capital ratio | 11.6315% | 5,646 |
| Memoranda: | ||
| Average total assets | $6,421,363,670 | 175 |
| Average earning assets | $6,210,249,670 | 161 |
| Average equity | $543,918,670 | 202 |
| Average total loans | $4,204,754,670 | 182 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 5,692 |
| Cost of funding earning assets | 0.9617% | 207 |
| Net interest margin | 2.0399% | 6,008 |
| Noninterest income to average assets | 4.4146% | 141 |
| Noninterest expense to average assets | 5.7157% | 194 |
| Loan and lease loss provision to assets | 0.4629% | 278 |
| Net operating income to assets | 0.1370% | 5,626 |
| Return on assets (ROA) | 0.0009% | 5,813 |
| Pretax return on assets | -0.0036% | 5,815 |
| Return on Equity (ROE) | 0.0111% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.0111% | 5,103 |
| Net charge-offs to loans | 0.5996% | 367 |
| Credit loss provision to net charge-offs | 118.6191% | 1,452 |
| Earnings coverage of net charge-offs (x) | 1.7219% | 2,779 |
| Efficiency ratio | 89.4805% | 706 |
| Assets per employee ($millions) | 22.0951% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5954% | 5,751 |
| Loan loss allowance to noncurrent loans | 253.0548% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 4,904 |
| Noncurrent loans to loans | 0.2353% | 4,588 |
| Net loans and leases to total assets | 64.9570% | 3,113 |
| Net loans and leases to deposits | 86.4139% | 2,024 |
| Net loans and leases to core deposits | 97.3914% | 1,679 |
| Total domestic deposits to total assets | 75.1696% | 5,502 |
| Equity capital to assets | 8.4497% | 5,600 |
| Core capital (leverage) ratio | 8.1788% | 5,663 |
| Tier 1 risk-based capital ratio | 11.2214% | 5,384 |
| Total risk-based capital ratio | 11.7641% | 5,657 |
| Memoranda: | ||
| Average total assets | $6,413,574,000 | 173 |
| Average earning assets | $6,203,490,000 | 162 |
| Average equity | $540,065,000 | 203 |
| Average total loans | $4,173,788,500 | 179 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1457% | 5,584 |
| Cost of funding earning assets | 0.9910% | 183 |
| Net interest margin | 2.1547% | 6,003 |
| Noninterest income to average assets | 4.7285% | 132 |
| Noninterest expense to average assets | 5.9339% | 186 |
| Loan and lease loss provision to assets | 0.4190% | 313 |
| Net operating income to assets | 0.3087% | 5,332 |
| Return on assets (ROA) | 0.3038% | 5,428 |
| Pretax return on assets | 0.4575% | 5,208 |
| Return on Equity (ROE) | 3.5740% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.5740% | 3,517 |
| Net charge-offs to loans | 0.5764% | 425 |
| Credit loss provision to net charge-offs | 115.7523% | 2,211 |
| Earnings coverage of net charge-offs (x) | 2.4417% | 3,908 |
| Efficiency ratio | 87.0361% | 906 |
| Assets per employee ($millions) | 21.1837% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5753% | 5,826 |
| Loan loss allowance to noncurrent loans | 254.9108% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 4,963 |
| Noncurrent loans to loans | 0.2257% | 4,621 |
| Net loans and leases to total assets | 64.4346% | 3,207 |
| Net loans and leases to deposits | 86.1867% | 2,110 |
| Net loans and leases to core deposits | 96.9949% | 1,756 |
| Total domestic deposits to total assets | 74.7616% | 5,573 |
| Equity capital to assets | 8.3914% | 5,637 |
| Core capital (leverage) ratio | 8.1753% | 5,715 |
| Tier 1 risk-based capital ratio | 11.2258% | 5,412 |
| Total risk-based capital ratio | 11.7435% | 5,698 |
| Memoranda: | ||
| Average total assets | $6,380,195,200 | 165 |
| Average earning assets | $6,186,368,200 | 154 |
| Average equity | $542,389,400 | 196 |
| Average total loans | $4,007,008,000 | 178 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1583% | 5,632 |
| Cost of funding earning assets | 0.9981% | 179 |
| Net interest margin | 2.1602% | 6,084 |
| Noninterest income to average assets | 4.7862% | 137 |
| Noninterest expense to average assets | 5.8556% | 186 |
| Loan and lease loss provision to assets | 0.4031% | 296 |
| Net operating income to assets | 0.4086% | 5,133 |
| Return on assets (ROA) | 0.4021% | 5,243 |
| Pretax return on assets | 0.6135% | 4,942 |
| Return on Equity (ROE) | 4.7148% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.7148% | 3,113 |
| Net charge-offs to loans | 0.5390% | 430 |
| Credit loss provision to net charge-offs | 120.0411% | 1,985 |
| Earnings coverage of net charge-offs (x) | 3.0567% | 3,562 |
| Efficiency ratio | 85.0859% | 1,080 |
| Assets per employee ($millions) | 22.2092% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5772% | 5,929 |
| Loan loss allowance to noncurrent loans | 334.6950% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 5,272 |
| Noncurrent loans to loans | 0.1725% | 4,962 |
| Net loans and leases to total assets | 63.0989% | 3,437 |
| Net loans and leases to deposits | 81.6855% | 2,683 |
| Net loans and leases to core deposits | 92.3465% | 2,230 |
| Total domestic deposits to total assets | 77.2461% | 5,307 |
| Equity capital to assets | 8.5373% | 5,687 |
| Core capital (leverage) ratio | 8.2744% | 5,731 |
| Tier 1 risk-based capital ratio | 11.6220% | 5,313 |
| Total risk-based capital ratio | 12.1486% | 5,627 |
| Memoranda: | ||
| Average total assets | $6,375,872,000 | 164 |
| Average earning assets | $6,185,883,000 | 154 |
| Average equity | $543,776,500 | 201 |
| Average total loans | $3,972,248,750 | 179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2116% | 5,602 |
| Cost of funding earning assets | 1.0045% | 179 |
| Net interest margin | 2.2070% | 6,142 |
| Noninterest income to average assets | 4.8656% | 133 |
| Noninterest expense to average assets | 5.7734% | 196 |
| Loan and lease loss provision to assets | 0.3995% | 298 |
| Net operating income to assets | 0.5463% | 4,573 |
| Return on assets (ROA) | 0.5349% | 4,738 |
| Pretax return on assets | 0.8178% | 4,262 |
| Return on Equity (ROE) | 6.2742% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.2742% | 2,075 |
| Net charge-offs to loans | 0.5044% | 491 |
| Credit loss provision to net charge-offs | 127.9465% | 1,719 |
| Earnings coverage of net charge-offs (x) | 3.9544% | 3,113 |
| Efficiency ratio | 82.3805% | 1,439 |
| Assets per employee ($millions) | 23.4875% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5812% | 6,002 |
| Loan loss allowance to noncurrent loans | 348.0624% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 5,407 |
| Noncurrent loans to loans | 0.1670% | 5,095 |
| Net loans and leases to total assets | 61.3433% | 3,645 |
| Net loans and leases to deposits | 76.7374% | 3,187 |
| Net loans and leases to core deposits | 86.5169% | 2,712 |
| Total domestic deposits to total assets | 79.9393% | 4,886 |
| Equity capital to assets | 8.5128% | 5,672 |
| Core capital (leverage) ratio | 8.0530% | 5,903 |
| Tier 1 risk-based capital ratio | 11.6452% | 5,375 |
| Total risk-based capital ratio | 12.1652% | 5,671 |
| Memoranda: | ||
| Average total assets | $6,369,082,670 | 164 |
| Average earning assets | $6,183,008,330 | 154 |
| Average equity | $543,013,670 | 203 |
| Average total loans | $3,943,202,670 | 182 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 5,465 |
| Cost of funding earning assets | 0.9961% | 188 |
| Net interest margin | 2.2979% | 6,162 |
| Noninterest income to average assets | 4.8543% | 133 |
| Noninterest expense to average assets | 5.7492% | 201 |
| Loan and lease loss provision to assets | 0.3927% | 304 |
| Net operating income to assets | 0.6250% | 4,174 |
| Return on assets (ROA) | 0.6044% | 4,366 |
| Pretax return on assets | 0.9136% | 3,840 |
| Return on Equity (ROE) | 7.0835% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.0835% | 1,976 |
| Net charge-offs to loans | 0.5318% | 472 |
| Credit loss provision to net charge-offs | 119.0676% | 1,452 |
| Earnings coverage of net charge-offs (x) | 4.0552% | 2,536 |
| Efficiency ratio | 81.1265% | 1,743 |
| Assets per employee ($millions) | 23.4648% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5503% | 6,117 |
| Loan loss allowance to noncurrent loans | 322.9598% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 5,514 |
| Noncurrent loans to loans | 0.1704% | 5,160 |
| Net loans and leases to total assets | 59.6191% | 3,710 |
| Net loans and leases to deposits | 74.8062% | 3,180 |
| Net loans and leases to core deposits | 84.4872% | 2,716 |
| Total domestic deposits to total assets | 79.6980% | 5,122 |
| Equity capital to assets | 8.5027% | 5,740 |
| Core capital (leverage) ratio | 7.8755% | 5,997 |
| Tier 1 risk-based capital ratio | 13.8596% | 4,110 |
| Total risk-based capital ratio | 14.4580% | 4,410 |
| Memoranda: | ||
| Average total assets | $6,347,575,500 | 163 |
| Average earning assets | $6,166,666,000 | 153 |
| Average equity | $541,595,000 | 201 |
| Average total loans | $3,936,611,500 | 178 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 5,953 |
| Cost of funding earning assets | 0.9128% | 362 |
| Net interest margin | 2.1910% | 6,313 |
| Noninterest income to average assets | 5.1196% | 125 |
| Noninterest expense to average assets | 5.8555% | 196 |
| Loan and lease loss provision to assets | 0.3209% | 617 |
| Net operating income to assets | 0.7029% | 3,878 |
| Return on assets (ROA) | 0.7314% | 3,836 |
| Pretax return on assets | 1.1209% | 3,004 |
| Return on Equity (ROE) | 8.3169% | 2,956 |
| Retained earnings to average equity (ytd only) | 8.3169% | 902 |
| Net charge-offs to loans | 0.4763% | 879 |
| Credit loss provision to net charge-offs | 122.3427% | 1,957 |
| Earnings coverage of net charge-offs (x) | 5.3297% | 3,449 |
| Efficiency ratio | 80.7269% | 1,818 |
| Assets per employee ($millions) | 54.0155% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 6,252 |
| Loan loss allowance to noncurrent loans | 320.6027% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 5,624 |
| Noncurrent loans to loans | 0.1569% | 5,270 |
| Net loans and leases to total assets | 63.8175% | 3,252 |
| Net loans and leases to deposits | 82.4276% | 2,417 |
| Net loans and leases to core deposits | 92.5544% | 2,032 |
| Total domestic deposits to total assets | 77.4225% | 5,535 |
| Equity capital to assets | 8.5627% | 5,680 |
| Core capital (leverage) ratio | 8.0475% | 5,966 |
| Tier 1 risk-based capital ratio | 11.1968% | 5,821 |
| Total risk-based capital ratio | 11.6493% | 6,086 |
| Memoranda: | ||
| Average total assets | $5,871,580,000 | 169 |
| Average earning assets | $5,718,586,400 | 159 |
| Average equity | $516,355,200 | 200 |
| Average total loans | $3,233,761,800 | 191 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0912% | 6,041 |
| Cost of funding earning assets | 0.9065% | 404 |
| Net interest margin | 2.1847% | 6,397 |
| Noninterest income to average assets | 5.2197% | 119 |
| Noninterest expense to average assets | 5.8202% | 195 |
| Loan and lease loss provision to assets | 0.2584% | 829 |
| Net operating income to assets | 0.8310% | 3,285 |
| Return on assets (ROA) | 0.8454% | 3,296 |
| Pretax return on assets | 1.2920% | 2,406 |
| Return on Equity (ROE) | 9.5446% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.5446% | 822 |
| Net charge-offs to loans | 0.4695% | 839 |
| Credit loss provision to net charge-offs | 104.6190% | 2,118 |
| Earnings coverage of net charge-offs (x) | 6.1871% | 3,128 |
| Efficiency ratio | 79.2031% | 2,023 |
| Assets per employee ($millions) | 56.2942% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4745% | 6,364 |
| Loan loss allowance to noncurrent loans | 291.8695% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 5,765 |
| Noncurrent loans to loans | 0.1626% | 5,424 |
| Net loans and leases to total assets | 60.1255% | 3,766 |
| Net loans and leases to deposits | 82.5993% | 2,346 |
| Net loans and leases to core deposits | 92.1260% | 2,028 |
| Total domestic deposits to total assets | 72.7918% | 6,106 |
| Equity capital to assets | 8.8247% | 5,526 |
| Core capital (leverage) ratio | 8.2707% | 5,867 |
| Tier 1 risk-based capital ratio | 12.1848% | 5,377 |
| Total risk-based capital ratio | 12.6108% | 5,789 |
| Memoranda: | ||
| Average total assets | $5,773,026,750 | 170 |
| Average earning assets | $5,625,170,000 | 159 |
| Average equity | $511,314,000 | 200 |
| Average total loans | $3,037,480,250 | 193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1029% | 6,060 |
| Cost of funding earning assets | 0.9180% | 387 |
| Net interest margin | 2.1849% | 6,459 |
| Noninterest income to average assets | 5.2442% | 115 |
| Noninterest expense to average assets | 5.8984% | 189 |
| Loan and lease loss provision to assets | 0.2569% | 839 |
| Net operating income to assets | 0.7957% | 3,356 |
| Return on assets (ROA) | 0.7691% | 3,571 |
| Pretax return on assets | 1.1788% | 2,769 |
| Return on Equity (ROE) | 8.6728% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.6728% | 1,084 |
| Net charge-offs to loans | 0.4988% | 811 |
| Credit loss provision to net charge-offs | 103.2792% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.9372% | 2,848 |
| Efficiency ratio | 79.9784% | 2,028 |
| Assets per employee ($millions) | 53.3857% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 6,377 |
| Loan loss allowance to noncurrent loans | 400.5889% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 5,953 |
| Noncurrent loans to loans | 0.1339% | 5,605 |
| Net loans and leases to total assets | 54.6801% | 4,450 |
| Net loans and leases to deposits | 71.3970% | 3,649 |
| Net loans and leases to core deposits | 79.3610% | 3,278 |
| Total domestic deposits to total assets | 76.5859% | 5,846 |
| Equity capital to assets | 9.0675% | 5,229 |
| Core capital (leverage) ratio | 8.3998% | 5,741 |
| Tier 1 risk-based capital ratio | 13.1817% | 4,798 |
| Total risk-based capital ratio | 13.6496% | 5,222 |
| Memoranda: | ||
| Average total assets | $5,689,543,670 | 171 |
| Average earning assets | $5,548,763,000 | 161 |
| Average equity | $504,568,000 | 201 |
| Average total loans | $2,837,003,000 | 202 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0630% | 6,169 |
| Cost of funding earning assets | 0.9120% | 425 |
| Net interest margin | 2.1511% | 6,546 |
| Noninterest income to average assets | 5.2452% | 112 |
| Noninterest expense to average assets | 5.9010% | 198 |
| Loan and lease loss provision to assets | 0.3119% | 603 |
| Net operating income to assets | 0.7409% | 3,477 |
| Return on assets (ROA) | 0.7243% | 3,649 |
| Pretax return on assets | 1.1074% | 2,872 |
| Return on Equity (ROE) | 8.2624% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.2624% | 1,507 |
| Net charge-offs to loans | 0.5894% | 628 |
| Credit loss provision to net charge-offs | 111.9949% | 1,530 |
| Earnings coverage of net charge-offs (x) | 5.1878% | 2,411 |
| Efficiency ratio | 80.3311% | 2,155 |
| Assets per employee ($millions) | 57.8770% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6144% | 6,390 |
| Loan loss allowance to noncurrent loans | 430.5868% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 6,057 |
| Noncurrent loans to loans | 0.1427% | 5,668 |
| Net loans and leases to total assets | 48.6870% | 5,039 |
| Net loans and leases to deposits | 62.9770% | 4,433 |
| Net loans and leases to core deposits | 69.7674% | 4,120 |
| Total domestic deposits to total assets | 77.3092% | 5,929 |
| Equity capital to assets | 8.7747% | 5,366 |
| Core capital (leverage) ratio | 8.2280% | 5,916 |
| Tier 1 risk-based capital ratio | 12.8702% | 5,081 |
| Total risk-based capital ratio | 13.3451% | 5,511 |
| Memoranda: | ||
| Average total assets | $5,651,489,500 | 171 |
| Average earning assets | $5,519,104,500 | 161 |
| Average equity | $495,452,000 | 205 |
| Average total loans | $2,670,671,000 | 211 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9901% | 6,353 |
| Cost of funding earning assets | 0.9571% | 560 |
| Net interest margin | 2.0330% | 6,641 |
| Noninterest income to average assets | 5.5540% | 118 |
| Noninterest expense to average assets | 6.1590% | 187 |
| Loan and lease loss provision to assets | 0.2500% | 1,444 |
| Net operating income to assets | 0.7408% | 3,604 |
| Return on assets (ROA) | 0.7373% | 3,699 |
| Pretax return on assets | 1.1245% | 2,868 |
| Return on Equity (ROE) | 7.9591% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.9591% | 1,067 |
| Net charge-offs to loans | 0.5703% | 1,153 |
| Credit loss provision to net charge-offs | 105.4309% | 2,290 |
| Earnings coverage of net charge-offs (x) | 5.8199% | 3,206 |
| Efficiency ratio | 81.6971% | 1,919 |
| Assets per employee ($millions) | 54.6388% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 6,403 |
| Loan loss allowance to noncurrent loans | 401.3640% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,101 |
| Noncurrent loans to loans | 0.1649% | 5,704 |
| Net loans and leases to total assets | 45.1745% | 5,565 |
| Net loans and leases to deposits | 55.9119% | 5,308 |
| Net loans and leases to core deposits | 62.0150% | 5,052 |
| Total domestic deposits to total assets | 80.7959% | 5,243 |
| Equity capital to assets | 8.7586% | 5,299 |
| Core capital (leverage) ratio | 8.2658% | 5,913 |
| Tier 1 risk-based capital ratio | 14.7095% | 3,834 |
| Total risk-based capital ratio | 15.2492% | 4,234 |
| Memoranda: | ||
| Average total assets | $5,320,050,400 | 171 |
| Average earning assets | $5,193,862,200 | 163 |
| Average equity | $492,831,800 | 198 |
| Average total loans | $2,211,560,800 | 234 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9792% | 6,439 |
| Cost of funding earning assets | 0.9548% | 628 |
| Net interest margin | 2.0245% | 6,722 |
| Noninterest income to average assets | 5.5678% | 128 |
| Noninterest expense to average assets | 6.0868% | 196 |
| Loan and lease loss provision to assets | 0.2540% | 1,402 |
| Net operating income to assets | 0.7848% | 3,427 |
| Return on assets (ROA) | 0.7807% | 3,578 |
| Pretax return on assets | 1.1971% | 2,707 |
| Return on Equity (ROE) | 8.3071% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.3071% | 1,296 |
| Net charge-offs to loans | 0.5987% | 1,042 |
| Credit loss provision to net charge-offs | 104.6400% | 2,236 |
| Earnings coverage of net charge-offs (x) | 6.0048% | 3,053 |
| Efficiency ratio | 80.6819% | 2,012 |
| Assets per employee ($millions) | 56.1685% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 6,457 |
| Loan loss allowance to noncurrent loans | 460.6297% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 6,211 |
| Noncurrent loans to loans | 0.1494% | 5,872 |
| Net loans and leases to total assets | 44.2442% | 5,707 |
| Net loans and leases to deposits | 55.3739% | 5,425 |
| Net loans and leases to core deposits | 61.2388% | 5,188 |
| Total domestic deposits to total assets | 79.9008% | 5,533 |
| Equity capital to assets | 9.0511% | 5,123 |
| Core capital (leverage) ratio | 8.4078% | 5,854 |
| Tier 1 risk-based capital ratio | 15.4013% | 3,515 |
| Total risk-based capital ratio | 15.9688% | 3,899 |
| Memoranda: | ||
| Average total assets | $5,256,773,000 | 169 |
| Average earning assets | $5,131,842,250 | 161 |
| Average equity | $494,007,500 | 193 |
| Average total loans | $2,130,845,750 | 241 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9804% | 6,467 |
| Cost of funding earning assets | 0.9477% | 718 |
| Net interest margin | 2.0327% | 6,752 |
| Noninterest income to average assets | 5.6053% | 133 |
| Noninterest expense to average assets | 6.0439% | 206 |
| Loan and lease loss provision to assets | 0.2578% | 1,437 |
| Net operating income to assets | 0.8374% | 3,111 |
| Return on assets (ROA) | 0.8333% | 3,284 |
| Pretax return on assets | 1.2816% | 2,364 |
| Return on Equity (ROE) | 8.7554% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.7554% | 1,198 |
| Net charge-offs to loans | 0.6153% | 1,077 |
| Credit loss provision to net charge-offs | 107.0097% | 2,072 |
| Earnings coverage of net charge-offs (x) | 6.4172% | 2,721 |
| Efficiency ratio | 79.6329% | 2,208 |
| Assets per employee ($millions) | 57.6284% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7748% | 6,403 |
| Loan loss allowance to noncurrent loans | 423.4691% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 6,270 |
| Noncurrent loans to loans | 0.1830% | 5,858 |
| Net loans and leases to total assets | 40.8117% | 5,986 |
| Net loans and leases to deposits | 51.2233% | 5,753 |
| Net loans and leases to core deposits | 56.3804% | 5,570 |
| Total domestic deposits to total assets | 79.6742% | 5,676 |
| Equity capital to assets | 9.3590% | 4,772 |
| Core capital (leverage) ratio | 8.5840% | 5,574 |
| Tier 1 risk-based capital ratio | 16.0683% | 3,151 |
| Total risk-based capital ratio | 16.6725% | 3,484 |
| Memoranda: | ||
| Average total assets | $5,211,639,670 | 168 |
| Average earning assets | $5,087,824,670 | 159 |
| Average equity | $495,993,670 | 193 |
| Average total loans | $2,040,375,670 | 247 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9920% | 6,524 |
| Cost of funding earning assets | 0.9234% | 881 |
| Net interest margin | 2.0686% | 6,824 |
| Noninterest income to average assets | 5.4629% | 132 |
| Noninterest expense to average assets | 5.8761% | 220 |
| Loan and lease loss provision to assets | 0.2376% | 1,532 |
| Net operating income to assets | 0.8702% | 2,806 |
| Return on assets (ROA) | 0.8670% | 2,968 |
| Pretax return on assets | 1.3644% | 1,994 |
| Return on Equity (ROE) | 9.0360% | 2,480 |
| Retained earnings to average equity (ytd only) | 9.0360% | 1,374 |
| Net charge-offs to loans | 0.6231% | 977 |
| Credit loss provision to net charge-offs | 99.9034% | 1,878 |
| Earnings coverage of net charge-offs (x) | 6.7569% | 2,165 |
| Efficiency ratio | 78.5260% | 2,529 |
| Assets per employee ($millions) | 61.4414% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 6,465 |
| Loan loss allowance to noncurrent loans | 396.4752% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 6,363 |
| Noncurrent loans to loans | 0.2001% | 5,901 |
| Net loans and leases to total assets | 38.0700% | 6,143 |
| Net loans and leases to deposits | 49.8701% | 5,795 |
| Net loans and leases to core deposits | 54.4943% | 5,638 |
| Total domestic deposits to total assets | 76.3385% | 6,326 |
| Equity capital to assets | 9.5034% | 4,845 |
| Core capital (leverage) ratio | 8.2904% | 5,837 |
| Tier 1 risk-based capital ratio | 16.6213% | 2,940 |
| Total risk-based capital ratio | 17.2443% | 3,233 |
| Memoranda: | ||
| Average total assets | $5,224,181,000 | 172 |
| Average earning assets | $5,101,775,500 | 162 |
| Average equity | $501,284,500 | 196 |
| Average total loans | $1,993,938,000 | 255 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3555% | 6,536 |
| Cost of funding earning assets | 1.0075% | 1,322 |
| Net interest margin | 2.3481% | 6,812 |
| Noninterest income to average assets | 5.7797% | 125 |
| Noninterest expense to average assets | 6.3897% | 191 |
| Loan and lease loss provision to assets | 0.2291% | 2,840 |
| Net operating income to assets | 0.9287% | 2,657 |
| Return on assets (ROA) | 1.0227% | 2,454 |
| Pretax return on assets | 1.5992% | 1,392 |
| Return on Equity (ROE) | 10.3574% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.3574% | 532 |
| Net charge-offs to loans | 0.6550% | 1,795 |
| Credit loss provision to net charge-offs | 104.8016% | 2,848 |
| Earnings coverage of net charge-offs (x) | 7.6917% | 2,550 |
| Efficiency ratio | 79.1672% | 2,256 |
| Assets per employee ($millions) | 57.3823% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 6,446 |
| Loan loss allowance to noncurrent loans | 420.8475% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 6,412 |
| Noncurrent loans to loans | 0.1950% | 5,979 |
| Net loans and leases to total assets | 37.6442% | 6,330 |
| Net loans and leases to deposits | 51.0310% | 5,883 |
| Net loans and leases to core deposits | 56.0487% | 5,710 |
| Total domestic deposits to total assets | 73.7673% | 6,554 |
| Equity capital to assets | 9.6897% | 4,606 |
| Core capital (leverage) ratio | 8.2860% | 5,901 |
| Tier 1 risk-based capital ratio | 16.6207% | 2,833 |
| Total risk-based capital ratio | 17.2607% | 3,110 |
| Memoranda: | ||
| Average total assets | $4,830,200,000 | 178 |
| Average earning assets | $4,713,632,000 | 165 |
| Average equity | $476,952,800 | 201 |
| Average total loans | $1,612,053,800 | 286 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 6,619 |
| Cost of funding earning assets | 1.0274% | 1,408 |
| Net interest margin | 2.3818% | 6,906 |
| Noninterest income to average assets | 5.8512% | 122 |
| Noninterest expense to average assets | 6.3744% | 184 |
| Loan and lease loss provision to assets | 0.2541% | 2,538 |
| Net operating income to assets | 0.9868% | 2,577 |
| Return on assets (ROA) | 1.0015% | 2,723 |
| Pretax return on assets | 1.5698% | 1,674 |
| Return on Equity (ROE) | 10.0913% | 2,308 |
| Retained earnings to average equity (ytd only) | 10.0913% | 891 |
| Net charge-offs to loans | 0.6728% | 1,637 |
| Credit loss provision to net charge-offs | 117.5569% | 2,474 |
| Earnings coverage of net charge-offs (x) | 8.3316% | 2,464 |
| Efficiency ratio | 77.9719% | 2,405 |
| Assets per employee ($millions) | 56.9547% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 6,203 |
| Loan loss allowance to noncurrent loans | 419.2374% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,531 |
| Noncurrent loans to loans | 0.2306% | 6,032 |
| Net loans and leases to total assets | 35.0116% | 6,612 |
| Net loans and leases to deposits | 46.1907% | 6,372 |
| Net loans and leases to core deposits | 50.1858% | 6,269 |
| Total domestic deposits to total assets | 75.7980% | 6,409 |
| Equity capital to assets | 10.1519% | 4,274 |
| Core capital (leverage) ratio | 8.4046% | 5,888 |
| Tier 1 risk-based capital ratio | 17.5945% | 2,497 |
| Total risk-based capital ratio | 18.3318% | 2,649 |
| Memoranda: | ||
| Average total assets | $4,746,648,750 | 183 |
| Average earning assets | $4,631,599,250 | 169 |
| Average equity | $471,087,250 | 205 |
| Average total loans | $1,525,020,750 | 306 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4380% | 6,689 |
| Cost of funding earning assets | 1.0383% | 1,539 |
| Net interest margin | 2.3997% | 6,958 |
| Noninterest income to average assets | 5.9035% | 117 |
| Noninterest expense to average assets | 6.4754% | 177 |
| Loan and lease loss provision to assets | 0.2283% | 2,794 |
| Net operating income to assets | 0.9830% | 2,536 |
| Return on assets (ROA) | 0.9820% | 2,773 |
| Pretax return on assets | 1.5391% | 1,750 |
| Return on Equity (ROE) | 9.9757% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.9757% | 983 |
| Net charge-offs to loans | 0.6840% | 1,621 |
| Credit loss provision to net charge-offs | 107.7063% | 2,530 |
| Earnings coverage of net charge-offs (x) | 8.3454% | 2,312 |
| Efficiency ratio | 78.5438% | 2,389 |
| Assets per employee ($millions) | 56.3833% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 5,898 |
| Loan loss allowance to noncurrent loans | 461.2540% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 6,635 |
| Noncurrent loans to loans | 0.2316% | 6,113 |
| Net loans and leases to total assets | 30.4900% | 6,861 |
| Net loans and leases to deposits | 39.4895% | 6,751 |
| Net loans and leases to core deposits | 45.2604% | 6,608 |
| Total domestic deposits to total assets | 77.2105% | 6,294 |
| Equity capital to assets | 9.8825% | 4,507 |
| Core capital (leverage) ratio | 8.2931% | 5,918 |
| Tier 1 risk-based capital ratio | 18.9677% | 1,977 |
| Total risk-based capital ratio | 19.7415% | 2,095 |
| Memoranda: | ||
| Average total assets | $4,677,178,330 | 182 |
| Average earning assets | $4,562,428,330 | 169 |
| Average equity | $460,438,000 | 209 |
| Average total loans | $1,449,434,670 | 316 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4867% | 6,715 |
| Cost of funding earning assets | 1.0579% | 1,632 |
| Net interest margin | 2.4288% | 6,995 |
| Noninterest income to average assets | 6.0350% | 114 |
| Noninterest expense to average assets | 6.5154% | 168 |
| Loan and lease loss provision to assets | 0.2007% | 2,932 |
| Net operating income to assets | 1.0814% | 2,165 |
| Return on assets (ROA) | 1.0795% | 2,354 |
| Pretax return on assets | 1.6830% | 1,348 |
| Return on Equity (ROE) | 10.9884% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.9884% | 1,030 |
| Net charge-offs to loans | 0.6442% | 1,517 |
| Credit loss provision to net charge-offs | 100.2611% | 2,287 |
| Earnings coverage of net charge-offs (x) | 9.4238% | 1,846 |
| Efficiency ratio | 77.5448% | 2,563 |
| Assets per employee ($millions) | 54.6817% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 5,940 |
| Loan loss allowance to noncurrent loans | 525.2022% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 6,732 |
| Noncurrent loans to loans | 0.2071% | 6,272 |
| Net loans and leases to total assets | 30.1415% | 6,906 |
| Net loans and leases to deposits | 39.7140% | 6,750 |
| Net loans and leases to core deposits | 45.4797% | 6,601 |
| Total domestic deposits to total assets | 75.8965% | 6,553 |
| Equity capital to assets | 9.7672% | 4,424 |
| Core capital (leverage) ratio | 8.3003% | 5,871 |
| Tier 1 risk-based capital ratio | 19.5042% | 1,837 |
| Total risk-based capital ratio | 20.3028% | 1,938 |
| Memoranda: | ||
| Average total assets | $4,591,286,500 | 181 |
| Average earning assets | $4,474,622,500 | 170 |
| Average equity | $451,058,500 | 206 |
| Average total loans | $1,426,945,000 | 314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 6,553 |
| Cost of funding earning assets | 1.1918% | 2,082 |
| Net interest margin | 2.7538% | 6,880 |
| Noninterest income to average assets | 6.7128% | 93 |
| Noninterest expense to average assets | 7.0281% | 138 |
| Loan and lease loss provision to assets | 0.3238% | 3,097 |
| Net operating income to assets | 1.3305% | 1,178 |
| Return on assets (ROA) | 1.3333% | 1,256 |
| Pretax return on assets | 2.0405% | 490 |
| Return on Equity (ROE) | 14.1916% | 888 |
| Retained earnings to average equity (ytd only) | 14.1916% | 168 |
| Net charge-offs to loans | 0.6979% | 2,412 |
| Credit loss provision to net charge-offs | 147.7783% | 1,928 |
| Earnings coverage of net charge-offs (x) | 10.7690% | 1,798 |
| Efficiency ratio | 74.8235% | 3,083 |
| Assets per employee ($millions) | 52.7052% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,826 |
| Loan loss allowance to noncurrent loans | 392.0986% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 6,732 |
| Noncurrent loans to loans | 0.2797% | 6,164 |
| Net loans and leases to total assets | 31.3682% | 6,957 |
| Net loans and leases to deposits | 41.7902% | 6,802 |
| Net loans and leases to core deposits | 45.3294% | 6,758 |
| Total domestic deposits to total assets | 75.0610% | 6,600 |
| Equity capital to assets | 9.8841% | 4,321 |
| Core capital (leverage) ratio | 8.4254% | 5,676 |
| Tier 1 risk-based capital ratio | 19.1113% | 1,869 |
| Total risk-based capital ratio | 19.9201% | 1,966 |
| Memoranda: | ||
| Average total assets | $4,148,982,800 | 191 |
| Average earning assets | $4,030,569,800 | 182 |
| Average equity | $389,808,600 | 227 |
| Average total loans | $1,302,708,400 | 334 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 6,443 |
| Cost of funding earning assets | 1.2146% | 2,231 |
| Net interest margin | 2.8703% | 6,801 |
| Noninterest income to average assets | 6.8847% | 89 |
| Noninterest expense to average assets | 7.4621% | 121 |
| Loan and lease loss provision to assets | 0.3214% | 2,965 |
| Net operating income to assets | 1.2334% | 1,565 |
| Return on assets (ROA) | 1.2373% | 1,652 |
| Pretax return on assets | 1.8933% | 791 |
| Return on Equity (ROE) | 13.3606% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.3606% | 346 |
| Net charge-offs to loans | 0.6973% | 2,167 |
| Credit loss provision to net charge-offs | 147.1993% | 2,136 |
| Earnings coverage of net charge-offs (x) | 10.1155% | 1,970 |
| Efficiency ratio | 77.1228% | 2,661 |
| Assets per employee ($millions) | 52.2674% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 6,097 |
| Loan loss allowance to noncurrent loans | 341.3482% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 6,813 |
| Noncurrent loans to loans | 0.3039% | 6,239 |
| Net loans and leases to total assets | 32.0093% | 7,027 |
| Net loans and leases to deposits | 42.6283% | 6,887 |
| Net loans and leases to core deposits | 45.9868% | 6,846 |
| Total domestic deposits to total assets | 75.0894% | 6,632 |
| Equity capital to assets | 9.9474% | 4,413 |
| Core capital (leverage) ratio | 8.3992% | 5,855 |
| Tier 1 risk-based capital ratio | 18.1845% | 2,194 |
| Total risk-based capital ratio | 18.9304% | 2,337 |
| Memoranda: | ||
| Average total assets | $4,066,242,250 | 195 |
| Average earning assets | $3,946,938,750 | 184 |
| Average equity | $376,560,500 | 231 |
| Average total loans | $1,273,170,750 | 338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1679% | 6,348 |
| Cost of funding earning assets | 1.2227% | 2,425 |
| Net interest margin | 2.9451% | 6,704 |
| Noninterest income to average assets | 7.1330% | 94 |
| Noninterest expense to average assets | 7.5750% | 118 |
| Loan and lease loss provision to assets | 0.3580% | 2,639 |
| Net operating income to assets | 1.3412% | 1,214 |
| Return on assets (ROA) | 1.3472% | 1,275 |
| Pretax return on assets | 2.0631% | 520 |
| Return on Equity (ROE) | 14.9436% | 814 |
| Retained earnings to average equity (ytd only) | 14.9436% | 255 |
| Net charge-offs to loans | 0.6752% | 2,148 |
| Credit loss provision to net charge-offs | 171.3738% | 1,767 |
| Earnings coverage of net charge-offs (x) | 11.5447% | 1,707 |
| Efficiency ratio | 75.8115% | 3,049 |
| Assets per employee ($millions) | 51.7946% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 6,087 |
| Loan loss allowance to noncurrent loans | 313.6584% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 6,815 |
| Noncurrent loans to loans | 0.3387% | 6,240 |
| Net loans and leases to total assets | 32.7663% | 7,084 |
| Net loans and leases to deposits | 41.4568% | 7,015 |
| Net loans and leases to core deposits | 44.7145% | 6,986 |
| Total domestic deposits to total assets | 79.0373% | 6,079 |
| Equity capital to assets | 9.4810% | 4,838 |
| Core capital (leverage) ratio | 8.5394% | 5,493 |
| Tier 1 risk-based capital ratio | 18.8085% | 1,904 |
| Total risk-based capital ratio | 19.5955% | 2,017 |
| Memoranda: | ||
| Average total assets | $3,993,013,330 | 204 |
| Average earning assets | $3,869,326,670 | 188 |
| Average equity | $359,968,000 | 237 |
| Average total loans | $1,235,468,330 | 351 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 6,348 |
| Cost of funding earning assets | 1.1983% | 2,831 |
| Net interest margin | 2.9720% | 6,627 |
| Noninterest income to average assets | 7.2978% | 96 |
| Noninterest expense to average assets | 7.6254% | 120 |
| Loan and lease loss provision to assets | 0.4138% | 2,123 |
| Net operating income to assets | 1.3907% | 1,079 |
| Return on assets (ROA) | 1.4028% | 1,097 |
| Pretax return on assets | 2.1507% | 428 |
| Return on Equity (ROE) | 15.9811% | 679 |
| Retained earnings to average equity (ytd only) | 15.9811% | 323 |
| Net charge-offs to loans | 0.7252% | 1,764 |
| Credit loss provision to net charge-offs | 191.2436% | 1,547 |
| Earnings coverage of net charge-offs (x) | 11.7676% | 1,533 |
| Efficiency ratio | 74.9321% | 3,338 |
| Assets per employee ($millions) | 51.2343% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 6,316 |
| Loan loss allowance to noncurrent loans | 223.6401% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 6,795 |
| Noncurrent loans to loans | 0.4555% | 6,100 |
| Net loans and leases to total assets | 32.0842% | 7,166 |
| Net loans and leases to deposits | 41.9313% | 7,025 |
| Net loans and leases to core deposits | 45.4183% | 6,994 |
| Total domestic deposits to total assets | 76.5160% | 6,602 |
| Equity capital to assets | 8.8075% | 5,480 |
| Core capital (leverage) ratio | 8.2450% | 5,913 |
| Tier 1 risk-based capital ratio | 21.3731% | 1,331 |
| Total risk-based capital ratio | 22.2365% | 1,376 |
| Memoranda: | ||
| Average total assets | $3,969,531,500 | 202 |
| Average earning assets | $3,837,984,500 | 187 |
| Average equity | $348,437,500 | 238 |
| Average total loans | $1,184,218,500 | 375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 7,084 |
| Cost of funding earning assets | 1.2542% | 4,189 |
| Net interest margin | 2.8058% | 7,022 |
| Noninterest income to average assets | 7.6236% | 87 |
| Noninterest expense to average assets | 7.9617% | 115 |
| Loan and lease loss provision to assets | 0.3289% | 4,180 |
| Net operating income to assets | 1.2967% | 1,184 |
| Return on assets (ROA) | 1.4320% | 950 |
| Pretax return on assets | 2.2424% | 290 |
| Return on Equity (ROE) | 15.3340% | 672 |
| Retained earnings to average equity (ytd only) | 15.3340% | 112 |
| Net charge-offs to loans | 0.7771% | 2,695 |
| Credit loss provision to net charge-offs | 188.7752% | 1,712 |
| Earnings coverage of net charge-offs (x) | 13.5462% | 1,404 |
| Efficiency ratio | 77.0951% | 2,856 |
| Assets per employee ($millions) | 51.8788% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 6,164 |
| Loan loss allowance to noncurrent loans | 257.9298% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 6,958 |
| Noncurrent loans to loans | 0.4060% | 6,233 |
| Net loans and leases to total assets | 26.9310% | 7,430 |
| Net loans and leases to deposits | 37.5989% | 7,311 |
| Net loans and leases to core deposits | 40.2789% | 7,297 |
| Total domestic deposits to total assets | 71.6270% | 7,117 |
| Equity capital to assets | 8.7477% | 5,514 |
| Core capital (leverage) ratio | 8.0220% | 6,169 |
| Tier 1 risk-based capital ratio | 19.0331% | 1,714 |
| Total risk-based capital ratio | 19.7171% | 1,817 |
| Memoranda: | ||
| Average total assets | $3,589,856,200 | 217 |
| Average earning assets | $3,451,982,000 | 202 |
| Average equity | $335,248,600 | 238 |
| Average total loans | $804,781,200 | 543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 7,219 |
| Cost of funding earning assets | 1.2713% | 4,428 |
| Net interest margin | 2.8083% | 7,119 |
| Noninterest income to average assets | 7.6032% | 90 |
| Noninterest expense to average assets | 7.8075% | 116 |
| Loan and lease loss provision to assets | 0.2988% | 4,186 |
| Net operating income to assets | 1.4167% | 1,078 |
| Return on assets (ROA) | 1.4173% | 1,150 |
| Pretax return on assets | 2.1929% | 418 |
| Return on Equity (ROE) | 14.9107% | 875 |
| Retained earnings to average equity (ytd only) | 14.9107% | 218 |
| Net charge-offs to loans | 0.8072% | 2,434 |
| Credit loss provision to net charge-offs | 175.7277% | 2,096 |
| Earnings coverage of net charge-offs (x) | 14.6478% | 1,500 |
| Efficiency ratio | 75.7709% | 2,995 |
| Assets per employee ($millions) | 52.2113% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 6,069 |
| Loan loss allowance to noncurrent loans | 266.6765% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,111 |
| Noncurrent loans to loans | 0.4014% | 6,394 |
| Net loans and leases to total assets | 22.2938% | 7,593 |
| Net loans and leases to deposits | 28.6132% | 7,588 |
| Net loans and leases to core deposits | 30.2508% | 7,578 |
| Total domestic deposits to total assets | 77.9144% | 6,277 |
| Equity capital to assets | 9.8361% | 4,365 |
| Core capital (leverage) ratio | 8.1674% | 6,086 |
| Tier 1 risk-based capital ratio | 20.3354% | 1,480 |
| Total risk-based capital ratio | 20.9532% | 1,571 |
| Memoranda: | ||
| Average total assets | $3,501,623,000 | 220 |
| Average earning assets | $3,360,583,750 | 206 |
| Average equity | $332,835,250 | 235 |
| Average total loans | $737,709,250 | 591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 7,310 |
| Cost of funding earning assets | 1.2899% | 4,594 |
| Net interest margin | 2.7740% | 7,182 |
| Noninterest income to average assets | 7.7532% | 89 |
| Noninterest expense to average assets | 8.1181% | 114 |
| Loan and lease loss provision to assets | 0.2596% | 4,339 |
| Net operating income to assets | 1.3279% | 1,240 |
| Return on assets (ROA) | 1.3279% | 1,316 |
| Pretax return on assets | 2.0285% | 571 |
| Return on Equity (ROE) | 14.1511% | 1,015 |
| Retained earnings to average equity (ytd only) | 14.1511% | 300 |
| Net charge-offs to loans | 0.8020% | 2,240 |
| Credit loss provision to net charge-offs | 157.6458% | 2,503 |
| Earnings coverage of net charge-offs (x) | 13.8965% | 1,564 |
| Efficiency ratio | 77.9698% | 2,731 |
| Assets per employee ($millions) | 52.9279% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,409 |
| Loan loss allowance to noncurrent loans | 221.5585% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 7,145 |
| Noncurrent loans to loans | 0.4507% | 6,345 |
| Net loans and leases to total assets | 20.1287% | 7,690 |
| Net loans and leases to deposits | 25.4375% | 7,692 |
| Net loans and leases to core deposits | 26.6029% | 7,687 |
| Total domestic deposits to total assets | 79.1299% | 6,002 |
| Equity capital to assets | 9.7668% | 4,318 |
| Core capital (leverage) ratio | 8.1109% | 6,102 |
| Tier 1 risk-based capital ratio | 21.4250% | 1,281 |
| Total risk-based capital ratio | 21.9765% | 1,360 |
| Memoranda: | ||
| Average total assets | $3,415,759,000 | 225 |
| Average earning assets | $3,266,659,000 | 211 |
| Average equity | $320,527,000 | 241 |
| Average total loans | $701,233,000 | 628 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1603% | 7,307 |
| Cost of funding earning assets | 1.3012% | 4,806 |
| Net interest margin | 2.8591% | 7,086 |
| Noninterest income to average assets | 7.9608% | 84 |
| Noninterest expense to average assets | 8.2543% | 112 |
| Loan and lease loss provision to assets | 0.2425% | 4,107 |
| Net operating income to assets | 1.4244% | 1,027 |
| Return on assets (ROA) | 1.4244% | 1,097 |
| Pretax return on assets | 2.1795% | 440 |
| Return on Equity (ROE) | 15.5223% | 799 |
| Retained earnings to average equity (ytd only) | 15.5223% | 374 |
| Net charge-offs to loans | 0.6648% | 2,160 |
| Credit loss provision to net charge-offs | 176.7544% | 2,063 |
| Earnings coverage of net charge-offs (x) | 17.6553% | 1,269 |
| Efficiency ratio | 77.2717% | 3,023 |
| Assets per employee ($millions) | 36.6189% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,672 |
| Loan loss allowance to noncurrent loans | 204.2653% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 7,251 |
| Noncurrent loans to loans | 0.4651% | 6,368 |
| Net loans and leases to total assets | 19.8741% | 7,788 |
| Net loans and leases to deposits | 25.2977% | 7,787 |
| Net loans and leases to core deposits | 26.4695% | 7,782 |
| Total domestic deposits to total assets | 78.5609% | 6,186 |
| Equity capital to assets | 9.1112% | 5,120 |
| Core capital (leverage) ratio | 8.0654% | 6,139 |
| Tier 1 risk-based capital ratio | 19.0362% | 1,713 |
| Total risk-based capital ratio | 19.4937% | 1,861 |
| Memoranda: | ||
| Average total assets | $3,324,091,500 | 234 |
| Average earning assets | $3,157,067,000 | 219 |
| Average equity | $305,033,000 | 254 |
| Average total loans | $685,971,000 | 663 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9284% | 6,644 |
| Cost of funding earning assets | 1.8472% | 3,749 |
| Net interest margin | 3.0813% | 6,428 |
| Noninterest income to average assets | 8.6779% | 79 |
| Noninterest expense to average assets | 8.7643% | 116 |
| Loan and lease loss provision to assets | 0.2382% | 5,470 |
| Net operating income to assets | 1.7484% | 400 |
| Return on assets (ROA) | 1.7484% | 423 |
| Pretax return on assets | 2.6405% | 135 |
| Return on Equity (ROE) | 19.6673% | 260 |
| Retained earnings to average equity (ytd only) | 19.6673% | 38 |
| Net charge-offs to loans | 0.4918% | 3,801 |
| Credit loss provision to net charge-offs | 217.8933% | 1,744 |
| Earnings coverage of net charge-offs (x) | 26.3363% | 855 |
| Efficiency ratio | 75.0690% | 3,698 |
| Assets per employee ($millions) | 34.1064% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 7,033 |
| Loan loss allowance to noncurrent loans | 188.9664% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 7,261 |
| Noncurrent loans to loans | 0.4417% | 6,388 |
| Net loans and leases to total assets | 21.0727% | 7,855 |
| Net loans and leases to deposits | 27.5943% | 7,841 |
| Net loans and leases to core deposits | 32.3407% | 7,853 |
| Total domestic deposits to total assets | 76.3662% | 6,609 |
| Equity capital to assets | 9.2464% | 4,777 |
| Core capital (leverage) ratio | 8.2714% | 5,676 |
| Tier 1 risk-based capital ratio | 19.8006% | 1,493 |
| Total risk-based capital ratio | 20.2318% | 1,622 |
| Memoranda: | ||
| Average total assets | $2,709,886,800 | 274 |
| Average earning assets | $2,607,716,600 | 258 |
| Average equity | $240,903,000 | 294 |
| Average total loans | $602,228,800 | 783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 6,625 |
| Cost of funding earning assets | 1.9842% | 3,445 |
| Net interest margin | 3.0079% | 6,588 |
| Noninterest income to average assets | 8.6597% | 85 |
| Noninterest expense to average assets | 8.9530% | 120 |
| Loan and lease loss provision to assets | 0.2257% | 5,163 |
| Net operating income to assets | 1.5620% | 718 |
| Return on assets (ROA) | 1.5620% | 769 |
| Pretax return on assets | 2.3777% | 244 |
| Return on Equity (ROE) | 17.7925% | 478 |
| Retained earnings to average equity (ytd only) | 17.7925% | 90 |
| Net charge-offs to loans | 0.4171% | 3,596 |
| Credit loss provision to net charge-offs | 240.2305% | 1,822 |
| Earnings coverage of net charge-offs (x) | 27.7119% | 984 |
| Efficiency ratio | 77.2494% | 3,278 |
| Assets per employee ($millions) | 33.1127% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 7,328 |
| Loan loss allowance to noncurrent loans | 125.2704% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 7,238 |
| Noncurrent loans to loans | 0.5731% | 6,172 |
| Net loans and leases to total assets | 21.3268% | 7,941 |
| Net loans and leases to deposits | 30.9311% | 7,897 |
| Net loans and leases to core deposits | 37.7567% | 7,881 |
| Total domestic deposits to total assets | 68.9495% | 7,499 |
| Equity capital to assets | 9.1042% | 5,326 |
| Core capital (leverage) ratio | 8.0562% | 6,258 |
| Tier 1 risk-based capital ratio | 19.3296% | 1,678 |
| Total risk-based capital ratio | 19.7058% | 1,822 |
| Memoranda: | ||
| Average total assets | $2,585,858,000 | 295 |
| Average earning assets | $2,490,269,250 | 277 |
| Average equity | $227,018,500 | 321 |
| Average total loans | $582,466,500 | 835 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2474% | 5,885 |
| Cost of funding earning assets | 2.1563% | 3,008 |
| Net interest margin | 3.0911% | 6,275 |
| Noninterest income to average assets | 8.7373% | 83 |
| Noninterest expense to average assets | 9.3614% | 123 |
| Loan and lease loss provision to assets | 0.2188% | 4,849 |
| Net operating income to assets | 1.3991% | 1,032 |
| Return on assets (ROA) | 1.3991% | 1,100 |
| Pretax return on assets | 2.1264% | 409 |
| Return on Equity (ROE) | 16.1902% | 670 |
| Retained earnings to average equity (ytd only) | 16.1902% | 154 |
| Net charge-offs to loans | 0.4330% | 3,077 |
| Credit loss provision to net charge-offs | 220.0166% | 2,090 |
| Earnings coverage of net charge-offs (x) | 23.5822% | 1,179 |
| Efficiency ratio | 79.7209% | 3,094 |
| Assets per employee ($millions) | 30.1150% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5870% | 7,657 |
| Loan loss allowance to noncurrent loans | 122.3193% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 7,270 |
| Noncurrent loans to loans | 0.4799% | 6,325 |
| Net loans and leases to total assets | 24.0766% | 7,995 |
| Net loans and leases to deposits | 31.6645% | 7,970 |
| Net loans and leases to core deposits | 38.7854% | 7,945 |
| Total domestic deposits to total assets | 76.0364% | 6,542 |
| Equity capital to assets | 8.9224% | 5,419 |
| Core capital (leverage) ratio | 8.2989% | 5,799 |
| Tier 1 risk-based capital ratio | 19.2398% | 1,732 |
| Total risk-based capital ratio | 19.5722% | 1,877 |
| Memoranda: | ||
| Average total assets | $2,421,316,000 | 322 |
| Average earning assets | $2,325,880,670 | 309 |
| Average equity | $209,237,670 | 360 |
| Average total loans | $556,120,330 | 900 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 5,627 |
| Cost of funding earning assets | 2.2822% | 2,781 |
| Net interest margin | 3.0756% | 6,271 |
| Noninterest income to average assets | 8.5563% | 75 |
| Noninterest expense to average assets | 9.5296% | 125 |
| Loan and lease loss provision to assets | 0.1947% | 4,492 |
| Net operating income to assets | 1.1523% | 1,797 |
| Return on assets (ROA) | 1.1523% | 1,918 |
| Pretax return on assets | 1.7783% | 1,020 |
| Return on Equity (ROE) | 13.5751% | 1,251 |
| Retained earnings to average equity (ytd only) | 13.5751% | 556 |
| Net charge-offs to loans | 0.4487% | 2,327 |
| Credit loss provision to net charge-offs | 194.7279% | 2,269 |
| Earnings coverage of net charge-offs (x) | 19.7313% | 1,409 |
| Efficiency ratio | 82.5897% | 2,467 |
| Assets per employee ($millions) | 28.2534% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 7,851 |
| Loan loss allowance to noncurrent loans | 73.6349% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 7,113 |
| Noncurrent loans to loans | 0.6488% | 5,785 |
| Net loans and leases to total assets | 23.3146% | 8,046 |
| Net loans and leases to deposits | 30.0937% | 8,037 |
| Net loans and leases to core deposits | 37.3737% | 8,011 |
| Total domestic deposits to total assets | 77.4734% | 6,156 |
| Equity capital to assets | 8.6138% | 5,896 |
| Core capital (leverage) ratio | 8.1925% | 6,122 |
| Tier 1 risk-based capital ratio | 19.5064% | 1,720 |
| Total risk-based capital ratio | 19.7742% | 1,885 |
| Memoranda: | ||
| Average total assets | $2,352,085,000 | 328 |
| Average earning assets | $2,253,236,000 | 319 |
| Average equity | $199,660,000 | 367 |
| Average total loans | $524,207,500 | 949 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6831% | 6,827 |
| Cost of funding earning assets | 2.6832% | 3,243 |
| Net interest margin | 2.9999% | 6,919 |
| Noninterest income to average assets | 14.1611% | 60 |
| Noninterest expense to average assets | 14.3213% | 79 |
| Loan and lease loss provision to assets | 0.0957% | 6,164 |
| Net operating income to assets | 1.7057% | 668 |
| Return on assets (ROA) | 0.7518% | 3,497 |
| Pretax return on assets | 1.1271% | 2,932 |
| Return on Equity (ROE) | 6.6934% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.6934% | 1,264 |
| Net charge-offs to loans | 0.3279% | 3,211 |
| Credit loss provision to net charge-offs | 115.5425% | 4,671 |
| Earnings coverage of net charge-offs (x) | 31.9619% | 1,122 |
| Efficiency ratio | 84.1069% | 2,044 |
| Assets per employee ($millions) | 27.7299% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 7,897 |
| Loan loss allowance to noncurrent loans | 265.9394% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,443 |
| Noncurrent loans to loans | 0.1746% | 6,865 |
| Net loans and leases to total assets | 20.9421% | 8,142 |
| Net loans and leases to deposits | 26.6733% | 8,152 |
| Net loans and leases to core deposits | 33.8069% | 8,129 |
| Total domestic deposits to total assets | 78.5136% | 5,542 |
| Equity capital to assets | 8.3517% | 6,342 |
| Core capital (leverage) ratio | 8.6193% | 5,344 |
| Tier 1 risk-based capital ratio | 20.8121% | 1,480 |
| Total risk-based capital ratio | 21.0472% | 1,609 |
| Memoranda: | ||
| Average total assets | $1,647,348,200 | 427 |
| Average earning assets | $1,541,224,200 | 417 |
| Average equity | $185,032,000 | 397 |
| Average total loans | $415,992,000 | 1,154 |